Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
5

out of 5

POSTED: | BY: Stephanie

Amazing amazing!

My poor girl Maia was recently diagnosed with lymphoma. Trupanion has been wonderful. Anytime I called the people were pleasant and caring. My claims were filed very quickly and my checks were sent within a few weeks. This was my first time that I had to submit a claim ao I didn't know what to expect but they have made this process so much easier . Pet insurance is an absolute necessity for people who treat their pets like family.
5

out of 5

POSTED: | BY: Katrina Wade

great pet insurance!

I am sad to say that my cat has a sarcoma. I was shocked that my claim was approved in probably 48 hours. I had a check in my mailbox 4 days after it was emailed to them. I couldn't be happier with them!
5

out of 5

POSTED: | BY: LENNA RHODES-CASHIN

THANK YOU Trupanion

Thank you very much for the all around prompt service. This is the BEST pet insurance that we have ever had. Communication is faithfully fantastic. Customer services are excellent. I like the overall policy that we have for our Bengals...thanks to TRUPANION. Your information is crystal clear...ALWAYS. YOU ARE 100% APPRECIATED.
1

out of 5

POSTED: | BY: Jane

Go elsewhere

Ugh. Our experience was frustrating. Maybe if you have a pet with zero preexisting problems...? They would look for any reason deny claims - saying it was related to preexisting condition - despite what our vet would say. Good luck appealing anything. I found that any attempts talking customer service - you would just find yourself being talked to in circles. (Even when cancelling our coverage... What a frustrating experience!) They increase their premiums without notice. And by large amounts. Which adds up each month - especially with two dogs. I would strongly recommend looking elsewhere (or putting that money into a separate account each month... Into your own pockets instead of theirs). If we did insurance with pets in our future - it wouldn't be with trupanion.
5

out of 5

POSTED: | BY: Martha Soto

Claims are handled quickly and fairly.

Since my yorkie was diagnosed with a kidney disorder my doctor bills are often and expensive. I thank God I have Trupanion insurance. They process the claims quickly and fairly. Thank you. Martha Soto
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion Canada Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  
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